The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$27,340
−HK$1,715/mo
▼ 0.25% · 3.875%
HK$28,191
−HK$864/mo
Today · 4.125%
HK$29,055
baseline
▲ 0.50% · 4.625%
HK$30,823
+HK$1,768/mo
Deposit HK$5.99M · loan HK$5.99M · min. income ≈ HK$58,110/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$449,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,416
−HK$1,643/mo
▼ 0.25% · 3.875%
HK$31,231
−HK$828/mo
Today · 4.125%
HK$32,059
baseline
▲ 0.50% · 4.625%
HK$33,749
+HK$1,690/mo
Deposit HK$5.99M · loan HK$5.99M · min. income ≈ HK$64,118/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$449,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,808
−HK$2,058/mo
▼ 0.25% · 3.875%
HK$33,829
−HK$1,037/mo
Today · 4.125%
HK$34,866
baseline
▲ 0.50% · 4.625%
HK$36,987
+HK$2,121/mo
Deposit HK$4.80M · loan HK$7.19M · min. income ≈ HK$69,732/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$449,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,499
−HK$1,972/mo
▼ 0.25% · 3.875%
HK$37,478
−HK$993/mo
Today · 4.125%
HK$38,471
baseline
▲ 0.50% · 4.625%
HK$40,499
+HK$2,028/mo
Deposit HK$4.80M · loan HK$7.19M · min. income ≈ HK$76,942/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$449,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,276
−HK$2,401/mo
▼ 0.25% · 3.875%
HK$39,467
−HK$1,210/mo
Today · 4.125%
HK$40,677
baseline
▲ 0.50% · 4.625%
HK$43,152
+HK$2,475/mo
Deposit HK$3.60M · loan HK$8.39M · min. income ≈ HK$81,354/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$449,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,582
−HK$2,301/mo
▼ 0.25% · 3.875%
HK$43,724
−HK$1,159/mo
Today · 4.125%
HK$44,883
baseline
▲ 0.50% · 4.625%
HK$47,248
+HK$2,365/mo
Deposit HK$3.60M · loan HK$8.39M · min. income ≈ HK$89,766/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$449,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,212
−HK$3,086/mo
▼ 0.25% · 3.875%
HK$50,743
−HK$1,555/mo
Today · 4.125%
HK$52,298
baseline
▲ 0.50% · 4.625%
HK$55,481
+HK$3,183/mo
Deposit HK$1.20M · loan HK$10.79M · min. income ≈ HK$104,596/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$449,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,748
−HK$2,958/mo
▼ 0.25% · 3.875%
HK$56,217
−HK$1,489/mo
Today · 4.125%
HK$57,706
baseline
▲ 0.50% · 4.625%
HK$60,748
+HK$3,042/mo
Deposit HK$1.20M · loan HK$10.79M · min. income ≈ HK$115,412/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$449,625 · Scale 2, in force from 26 Feb 2026)